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Application Process

Frequently Asked Questions

Minimum amount that you can avail is ₱10,000 and up to a maximum amount of ₱500,000.
 

You may choose from 3, 6, 9 or 12 monthly installment terms.
 

  • Processing Fee - None

  • Penalty Fee - 5% per month of the unpaid amount due

  • Late Payment Charge - A fee imposed on the unpaid principal using the contractual interest rate

  • Auto-Debit Arrangement (ADA) Return Fee - ₱1,250 for insufficient ADA account
  • Installment Processing Fee - 5% of the total remaining balance or ₱300, whichever is higher. For processing of full payment of outstanding balance before end of payment term
     

It is mandatory to enroll your BDO Payroll Savings or Checking Account under Auto-Debit Arrangement (ADA). Salary Loan payment will be automatically deducted every due date. If you missed payment on your due date, you must fund your BDO Payroll deposit account and payment collection will be made from your account.  Please ensure your nominated BDO Payroll deposit account is funded for your loan amortization payment every due date to avoid fees and charges as a result of non-payment.
 

Yes.  Salary Loan is exclusive for BDO Payroll clients only.
 

Your BDO Payroll Deposit Account should have enough balance to cover your monthly amortization amount.  If in case your BDO Payroll Deposit Account has insufficient funds, there is a corresponding ADA Return Fee that will be charged to your BDO Payroll Deposit Account.  BDO reserves the right to do partial ADA on the account balance, whether via batch or real-time debiting of loan payment, as indicated in the ADA Enrollment Terms and Conditions. 
 

The cash installment loan previously availed must be completed / fully paid or cancelled before applying for a new loan. Resigned employees are not eligible for re-availment.

Yes. There is a corresponding Installment Processing fee amounting to 5% of the total remaining balance or ₱300, whichever is higher.
 

Contact us

BDO Corporate Center

BDO Corporate Center:

7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000

BDO Corporate Center

BDO Contact Center:

Hotline: (+632) 8888-0000

Outside Metro Manila

(PLDT/Globelines): #8888-0000

(For landline only, press # followed by 8888-0000)
 

International Toll-Free:

(IAC)+800-8-CALLBDO (2255-236)

(See list of IAC here)

BDO Corporate Center

callcenter@bdo.com.ph

This channel is dedicated to handling online banking enrollment and/or updating of registered online banking contact information of overseas clients. For phishing reports, please send the email to reportphish@bdo.com.ph.